In­form­a­tion about the new debit card – the Debit Mas­ter­card

The Debit Mas­ter­card is a debit card like the Maes­tro card. With a debit card, pay­ments are deb­ited from your ac­count im­me­di­ately. You can use the Debit Mas­ter­card world­wide to make cash­less pay­ments at all Mas­ter­card ac­cept­ance points and with­draw cash from ATMs – in con­trast to the Maes­tro card, you can also pay in on­line shops.

The Debit Mas­ter­card is the debit card of the next gen­er­a­tion. In ad­di­tion to the ex­ist­ing func­tion­al­it­ies of the Maes­tro card, the Debit Mas­ter­card can also be used for on­line pay­ments. In ad­di­tion, the Debit Mas­ter­card is ac­cep­ted at around ten mil­lion more points of sale world­wide.

Yes, the con­di­tions of the Debit Mas­ter­card have been changed. No longer are fees charged for pur­chases made abroad. Fur­ther in­form­a­tion about the fees can be found at credit-​suisse.com/deb­it­card.

• Con­trol spend­ing – pay­ments and cash with­draw­als are im­me­di­ately deb­ited from your ac­count. This helps you keep a close eye on trans­ac­tions ex­ecuted as well as the cur­rent bal­ance in your ac­count at all times.
• The Debit Mas­ter­card is ac­cep­ted at home and abroad – every­where you see the Mas­ter­card logo.
• Pay­ing at shops and vend­ing ma­chines – you can use the new debit card to pay at over 43 mil­lion points of sale.
• Con­tact­less – pur­chases of less than CHF 80 are made in seconds with no PIN entry needed. For lar­ger pay­ments, your PIN will be auto­mat­ic­ally re­quired for se­cur­ity reas­ons.
• On­line pay­ments – the Debit Mas­ter­card also al­lows you to pay se­curely and con­veni­ently on the in­ter­net and in apps. Extra se­cur­ity is provided using 3D Se­cure – a pro­cess through which you con­firm pay­ments to most on­line re­tail­ers using your mo­bile phone.
• Mo­bile pay­ment – Pay eas­ily and se­curely with Apple Pay, Sam­sung Pay and Google Pay – at stores, on­line, and in apps.
• Store card de­tails in on­line shops – pay for your next pur­chase more quickly and make re­cur­ring pay­ments for on­line sub­scrip­tions; the ex­pir­a­tion date of stored cards is up­dated auto­mat­ic­ally.
• Pay for ho­tels or car rent­als.
• With­draw and de­posit cash – you can with­draw cash any­where in the world. In Switzer­land, cash de­pos­its can be made at des­ig­nated Credit Suisse ATMs.
  

The color of the Debit Mas­ter­card is pre­defined and de­pends on the product se­lec­ted.

For more in­form­a­tion, see CSX

1. Be­fore you make on­line pur­chases, please set up your Debit Mas­ter­card for 3D Se­cure.
   
   
   • For the 3D Se­cure re­gis­tra­tion, you will need your Debit Mas­ter­card, the let­ter with the re­gis­tra­tion code (OTRC code), and your mo­bile phone. We will send you the card and the re­gis­tra­tion code (OTRC) in two sep­ar­ate let­ters that you will re­ceive on dif­fer­ent dates for se­cur­ity reas­ons.
   • After re­ceiv­ing both let­ters, open the link in your in­ter­net browser or scan the QR code dis­played with your mo­bile phone. This will take you to a web­site of the SIX Group [info on the SIX Group and 3D Se­cure] (our trus­ted part­ner for pay­ment trans­ac­tions), on which you can re­gister your Debit Mas­ter­card for 3D Se­cure.
   • Please fol­low the in­struc­tions given there. This re­gis­tra­tion is re­quired only once for a card num­ber. Once re­gis­tra­tion is com­plete, your Debit Mas­ter­card is ac­tiv­ated for 3D Se­cure and you can safely shop on­line.
2. Upon pay­ment in an on­line shop, when asked to se­lect the pay­ment type, se­lect Debit, Debit Card, or Mas­ter­card (or­ange/red logo with the circles). Only a few on­line shops are already using the cor­rect des­ig­na­tion "Debit" as the pay­ment type. If this is not offered, then se­lect "Credit Card" (or "Mas­ter­card") as the pay­ment type – the trans­ac­tion will still be pro­cessed as a debit trans­ac­tion.
3. Enter the re­ques­ted card in­form­a­tion such as the card num­ber, the ex­pir­a­tion date, and the CVC num­ber. You will find this in­form­a­tion on the back of your Debit Mas­ter­card.
4. If the on­line shop sup­ports 3D Se­cure, you will be asked in the next step to con­firm the pay­ment with a code.
   
   
   • This code will auto­mat­ic­ally be sent to you by SMS if you have set up your card for 3D Se­cure (see Step 1).
   • Enter the code in the cor­res­pond­ing field and ap­prove the pay­ment.
   • The pay­ment will now be ex­ecuted. The de­cision to re­quest a pay­ment con­firm­a­tion ("3D Se­cure") lies solely with the re­tailer. If the on­line shop does not carry out this ad­di­tional con­firm­a­tion, the card pay­ment will be ex­ecuted after you enter the card num­ber, the ex­pir­a­tion date, and the card veri­fic­a­tion code (CVC) as soon as you click on "Pay."
5. The re­spect­ive amount will be deb­ited im­me­di­ately from your ac­count, since this is a debit card. You will not re­ceive a sep­ar­ate credit card bill, but will see the charge dir­ectly in your on­line bank­ing.

Using the Debit Mas­ter­card to make pay­ments on the in­ter­net meets in­ter­na­tional stand­ards and ac­cord­ingly provides the highest pos­sible level of se­cur­ity. 3D Se­cure (also known as the “Mas­ter­card iden­tity check”) is an au­then­tic­a­tion pro­ced­ure that in­creases the se­cur­ity of on­line pay­ments be­cause a code must be entered to con­firm the pay­ment in ad­di­tion to the card num­ber, the ex­pir­a­tion date, and the card veri­fic­a­tion code (CVC). This code is sent to your re­gistered mo­bile phone num­ber dur­ing the pay­ment pro­cess, and is only valid once. In this way, 3D Se­cure in­creases se­cur­ity for both you and the par­ti­cip­at­ing re­tailer. You are not li­able for a po­ten­tial fin­an­cial loss in the event of mis­use, provided that you have met your due di­li­gence ob­lig­a­tions.

The de­cision to re­quest a pay­ment con­firm­a­tion (3D Se­cure) lies solely with the re­tailer. If the on­line shop does not carry out this ad­di­tional con­firm­a­tion, the card pay­ment will be ex­ecuted after you enter the card num­ber, the ex­pir­a­tion date, and the card veri­fic­a­tion code (CVC) as soon as you click on “Pay.” How­ever, we re­com­mend that you re­gister for the 3D Se­cure pro­cess im­me­di­ately after re­ceiv­ing your card so that you can make un­res­tric­ted use of your card on the plat­forms of all on­line re­tail­ers.

Con­tact the 24-​hour helpline at +41 (0)800 800 488*. We will send or com­mu­nic­ate to you a new re­gis­tra­tion code (OTRC) im­me­di­ately.

If your old tele­phone num­ber is still act­ive, you do not need a new re­gis­tra­tion code (OTRC). You can change the tele­phone num­ber your­self on the 3D Se­cure En­roll­ment Portal. If your old tele­phone num­ber no longer works, you need a new OTRC code, which you can re­quest from the 24-​hour helpline (+41 (0)800 800 488)* or from your cli­ent ad­visor.

The lim­its can be ac­cessed and changed in on­line and mo­bile bank­ing**. If you do not have on­line and mo­bile bank­ing, you can also change the lim­its via the 24-​hour helpline (+41 (0)800 800 488)*.

Change debit card limit

Yes. You can de­ac­tiv­ate the on­line pay­ment func­tion your­self in on­line and mo­bile bank­ing**, or you can have it de­ac­tiv­ated by your cli­ent ad­visor, at one of our branches, or via the 24-​hour helpline (+41 (0)800 800 488)*. This func­tion can also be re­act­iv­ated at your re­quest.

You can de­ac­tiv­ate the auto­matic trans­mis­sion of the new ex­pir­a­tion date your­self in on­line and mo­bile bank­ing**, or you can have it de­ac­tiv­ated by your cli­ent ad­visor, at one of our branches, or via the 24-​hour helpline (+41 (0)800 800 488)*. This func­tion can also be re­act­iv­ated at your re­quest.

Yes. You can de­ac­tiv­ate the con­tact­less fea­ture your­self in on­line and mo­bile bank­ing**, or you can have it de­ac­tiv­ated by your cli­ent ad­visor, at one of our branches, or via the 24-​hour helpline (+41 (0)800 800 488)*. This func­tion can also be re­act­iv­ated at your re­quest.

If you wish to ac­tiv­ate your card for other coun­tries, you can eas­ily do so in the On­line Bank­ing portal. Just click on the fol­low­ing link:

Man­age travel set­tings
 

You can eas­ily order a re­place­ment debit card in On­line Bank­ing. Please click on the fol­low­ing link:

Order re­place­ment card

Please note that this re­quest car­ries a fee (CHF 20) and that it will take 3–5 work­ing days to pro­duce and mail the card.

For se­cur­ity reas­ons, the con­tact­less func­tion is tem­por­ar­ily de­ac­tiv­ated when the Debit Mas­ter­card is dis­patched. First, you need to make a trans­ac­tion by in­sert­ing your debit card into a pay­ment ter­minal or an ATM and en­ter­ing the cor­rect PIN. This auto­mat­ic­ally ac­tiv­ates the con­tact­less fea­ture and al­lows you to make con­tact­less pay­ments.

Yes. For amounts over CHF 80, the pay­ment ter­minal will prompt you to enter your PIN. You do not need to in­sert your Debit Mas­ter­card into the pay­ment ter­minal, how­ever.
No PIN needs to be entered for amounts of less than CHF 80. For se­cur­ity reas­ons, how­ever, you may have to enter your PIN from time to time even for trans­ac­tions under CHF 80. You will al­ways be promp­ted to enter your PIN for amounts over CHF 80.

At present, the Debit Mas­ter­card can be used for Apple Pay, Sam­sung Pay and Google Pay. We are re­view­ing the im­ple­ment­a­tion of this func­tion for other Mo­bile Pay­ment pro­viders and will in­form you in due course should this be­come avail­able.

You can eas­ily add your Debit Mas­ter­card to Apple Pay, Sam­sung Pay and Google Pay via the CSX Mo­bile Bank­ing app

You can find in­form­a­tion on the re­gis­tra­tion pro­cess here:

• Apple Pay
• Sam­sung Pay
• Google Pay

You can store your Debit Mas­ter­card as a pay­ment card with spe­cific re­tail­ers by agree­ing to your card being stored. To do so, please fol­low the in­struc­tions of the re­tailer con­cerned. For fu­ture pur­chases, you can pay without re-​entering your card data. When your card ex­pires, your card’s new ex­pir­a­tion date is auto­mat­ic­ally com­mu­nic­ated if the re­tailer sup­ports the up­dat­ing ser­vice.

If you lose your Debit Mas­ter­card, please re­quest us to block it im­me­di­ately.

• You can block your card your­self in on­line and mo­bile bank­ing**. There is no charge for block­ing a card in on­line and mo­bile bank­ing.
• Call our 24-​hour helpline at +41 (0)800 800 488*. Please note that a fee of CHF 55 will be charged.
• At your re­quest, we will mail you a new Debit Mas­ter­card and, in sep­ar­ate let­ters, a new PIN and a new re­gis­tra­tion code (OTRC). There is a fee of CHF 20 for re­pla­cing your card. Please note: If your card is stolen, please sub­mit a state­ment of loss to the po­lice.

Block debit card

• The con­tact­less Debit Mas­ter­card is equipped with the latest gen­er­a­tion chips and is state of the art in terms of se­cur­ity.
• The same data trans­mis­sion pro­to­cols and cryp­to­graphic se­cur­ity pro­ced­ures are gen­er­ally used for con­tact­less pay­ments as for contact-​based chip pay­ments.
• Your Debit Mas­ter­card will only ini­ti­ate a trans­ac­tion if it is held very close to the pay­ment ter­minal. The short range of 2–4 cm pre­vents any un­in­ten­ded pay­ment from oc­cur­ring at a lar­ger dis­tance.
• Only one trans­ac­tion is per­mit­ted per pay­ment pro­cess, even if the card is placed next to the pay­ment ter­minal mul­tiple times in a row. If the pay­ment ter­minal de­tects more than one con­tact­less card, it auto­mat­ic­ally can­cels the trans­ac­tion without any pay­ment oc­cur­ring.
• You will need to enter the PIN for amounts over CHF 80.
  

If you be­come aware of trans­ac­tions on your ac­count state­ment that were deb­ited twice, that you did not make, or for which you did not re­ceive the cor­res­pond­ing product or ser­vice, you can ob­ject to these debit card trans­ac­tions. To do this, please pro­ceed as fol­lows:

1. Please con­tact the trader first be­fore re­port­ing the trans­ac­tion to us and try to come to an agree­ment dir­ectly.
2. If you can­not reach an agree­ment dir­ectly with the trader, you must file a claim with us within 30 days from the re­ceipt of the ac­count state­ment, to­gether with all the re­lated doc­u­ments (emails, let­ters, in­form­a­tion re­gard­ing phone calls, re­ceipts, etc.).
3. Once you have sent us the com­plaint form, we will carry out the in­vest­ig­a­tion re­gard­ing your claim.
4. If your claim is ac­cep­ted, we will trans­fer the amount to your ac­count without any fur­ther com­mu­nic­a­tion.
5. In case any ad­di­tional ex­plan­a­tions or doc­u­ments are needed to pro­cess your claim or if your claim is re­jec­ted, you will be con­tac­ted by Credit Suisse ad­visors.

Please note that many parties are in­volved in the in­vest­ig­a­tion and that cla­ri­fic­a­tion can take up to three months.

Sub­mit com­plaint form elec­tron­ic­ally

You can also down­load the com­plaint form (PDF) and re­turn it to us by post at the fol­low­ing ad­dress:

UBS Switzer­land AG
Schadenfälle / Dom­mages / Danni
MOXP 31
P.O. Box
8070 Zurich